With all the financial upheavel these days, it seems as if there's a market and opportunity for just about everything.

The latest 'tool' to help eliviate the financial burdens and stress caused by the current economic conditions is a website that matches car lease holders looking to unload their lease yet avoid paying costly 'early termination' fees with those looking to acquire a relatively new vehicle on lease.

The website is www.leasetrader.com and ccording to KDVR news channel out of Denver, CO:

Jeff Ross is now driving this Explorer, after getting out from under another year-a-half on an expensive BMW lease.

"I really wanted to get rid of it quick," said Ross.

Ross went to Leasetrader.com and found a man in Utah willing to take over his BMW lease.

"About eight thousand dollars I would have had to pay out," Ross recounted, "If I wanted to exit the lease when I did."

For 49 bucks up front, the site helps match lease sellers with potential buyers, 4,500 transactions last year.

And with so many people losing jobs, they're on pace for at least 60,000 this year.

Again, it's a sad reality that so many people are struggling financially and that sites like this are necessary.  However, that doesn't mean we have to fall victim to it all.

With tools like this website and the Money Merge Account, there's really no excuse to NOT have a plan in place for eliminating your debt as quickly as possible.  Financial stability is so vital in today's marketplace and even though it takes some work to achieve, there are plenty of resources out there to help you!

The CFO of Capital One Financial Corp. was recently quoted as saying, that "new credit card legislation is expected to have a dramatic impact on the national lending landscape."

Sweeping changes meant to protect debt-ridden consumers from surprise credit card fees and charges could cause quite a few unintended changes to other credit card holders.  As we mentioned yesterday, some of these changes could include reintroducing annual fees, increasing other fees, and reducing or eliminating popular cash-back or rewards programs.

Nearly 80 million Americans have credit cards and over 1/2 of those carry a balance, so these changes will certainly impact a great many households.

Really, the only way to avoid being caught in this financial game of cat and mouse is to pay off your credit card debt as quickly as possible.  That way you're beholden to no one and you're not subject to any fees, questionable rate changes, or other games credit card companies play.

To learn more about the Money Merge Account® system, which is a tool created to help every single person with any kind of debt to pay off their debt as quickly as possible, simply visit The Money Merge Account link above.

While credit cards have long been a good deal for people who pay their bills on time and in full, it seems as if those times might be in jeopardy.

You see, while credit card companies imposed punishing fees and penalties for those that are late with their credit card payments, they offered their disciplined, 'pay on time' customers cash-back rewards, frequent-flier miles and other perks to reward their fiscal responsiblity.

However, with Congress taking steps to limit the penalties on riskier borrowers, a source of billions of dollars in fee revenue for the credit card industry, and in an effort to make up for lost the lost income source, it appears as if the credit card companies might being going after those people with sterling credit.

Many banks are expected to look at reviving annual fees, plus curtailing their cash-back and other rewards programs, as well as charging interest immediately on a purchase instead of allowing a grace period of weeks, according to bank officials and trade groups.

If all of this is true, it truly is a sad, sad statement about our economy and the impact debt has on our society!

The only realy answer is to begin now to eliminate your credit card debt AS QUICKLY AS POSSIBLE.  If banks do begin removing grace periods and rewards programs, the benefit of credit cards is quickly lost.

Although that may not be a bad things as more people will be forced to do what our grandparents did…pay for things when they actually have the money in hand!

So much of getting out of debt is a mental game. Yes, even though debt is more dollars and sense than anything else, there is an underlying mental aspect that comes into play.  And when you're trying to get out of debt, it requires a very clear picture of what you're trying to accomplish AND a strong WHY for what you're working to achieve.

If you don't know what being debt free would look like for you, you'll have  a difficult time actually making it happen.  And even if you do have a clear picture, if you're purpose for paying off your debt isn't strong enough, you'll fall short at the first signs of problems.

Here's a powerful video from Tony Robbins where you talks about this idea of clarity and purpose.

And yes, it even applies to getting out of debt!

If you've got the clarity and the purpose, but still aren't clear on the 'how', why not check out the Money Merge Account®? It's a powerful 'pay off debt FAST' system that acts like your 24/7 financial GPS guiding you to complete freedom from debt.

Also, be sure to request your FREE 'how fast can I pay off my debt' analysis!

If you or someone you know is struggling with too much debt and they're at the point where they don't know what to do, here are some suggestions to help them find a little peace as they fight to get out of the financial mess they find themselves in:

• Set up a realistic budget. It's common sense, but unfortunately many people overlook the simple fact that unless you're bringing in more money than you're spending each month, you'll NEVER get out of debt.  If this is a problem, the only way to truly get a grip on it is to set up a realistic budget and then stick with it.  If possible, you should allow a little room for an occassional treat, but if you're in serious trouble, try to stretch the reward periods out as long as possible in order to maximize your ability to get back to where you need to be financially.
• Contact your creditors. Even though you may think they're only out to get you, in most cases your creditors do better when you're debts.  Yes, they may try to collect past due amounts or may threaten all sorts of scary 'things', but in reality they want you to be in debt to them so they're going to be willing to work with you.  Unless you want your personal credit to be seriously blemished for many years to come, it really is in your best interest to figure out a way to pay back your creditors and in many cases, the only way to make that happen is to work with them.
• Manage your secured assets. Debts like a mortgage or car loan are considered 'secured' because the debt is secured by the asset the loan was taken out to purchase.  If you get behind on your car payments, your lender could reposes your car with little notice to you.  For your mortgage, you typically have to be 90 days behind before the serious stuff starts happening, but whenever possible you don't ever want to let it get that bad.  Again, contact your lenders and let them know what's going on because they're better off if you make good on your loan agreements.

While being in financial hot water is never a fun experience, it's something that can be avoided with some careful planning and a little financial discipline.  Having a plan in place for getting out of debt as quickly as possible is smart for everyone because when you don't have any debt, secured or unsecured, your money is freed up to work for you in other ways.

If you haven't yet taken a close look at the Money Merge Account® system from United First Financial®, you owe it to your financial future to give it a look.  You could be completely debt free in as little as 1/2 to 1/3 the time you're probably expecting it to take now and that's without ANY additional income because the system works with just the money you already have.

We also offer a free 'how fast can I pay off my debt' analysis to help you see the exact month and year when you could be completely debt free. Contact Us today to learn more.

According to the US Treasury, nearly 80% of American familes have at least one credit card, 44% carry a balance on their credit cards, and as a whole Americans pay close to $15Billion in penalties and fees on their credit cards.

Brad Chaffee of Charlottesville, VA says, "Credit card debt is our biggest hindrance in being able to take care of our families and set ourselves up for prosperity.

If your paycheck is going toward paying all these credit card companies off, you can't get very far," added Chaffee, who has a Web site called enemyofdebt.com. "You certainly can't use your income as a wealth-building tool — which is what it becomes when you don't have all these debt payments. I feel very strongly about that."

This is the whole idea of the Money Merge Account® program. When you pay off your credit cards and other costly debts it frees you up to be able to use your money to build wealth instead of building wealth for the banks and credit card companies.

Many people have been caught in the credit card debt trap because it's so easy to fall into.  With low introductory rates and easy access to money, too many families have gotten buried under the weight of their growing debt balances.

It's time to put a stop to it though!  If you haven't already looked into the Money Merge Account program, we invite you to visit www.PowerfulDebtPayoffSystem.com to get a first hand look at how this powerful money management tool can help you pay off your debt in record time.

The flexibility of the Money Merge Account® can be used to cushion the financial impact of a newborn baby. If one of you wants to take time off work, then there are a number of options available, from reducing your overall payment commitments for a time to providing the additional money needed for those unforeseen expenses.

If you need to run a tighter budget, we can help you. Our online service will let you plan your entire spending for the month and work out what you'll have left over, even down to the penny if you want. You'll also be able to analyze where your money's going, so you can see at a glance where you can cut your spending. We can also help you set longer term plans for repaying your loans, taking into consideration the peaks and troughs of your income and expenditure over the coming years.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Schedule your FREE 'How Fast Can I Pay Off My Debt' Analysis today!

United First Financial® can help you achieve your financial goals through the strategic interest cancellation and wealth-building power of the revolutionary Money Merge Account® program.

You can save time and interest on nearly every debt you have. The key is to make your money work smarter with little impact to your standard of living. The Money Merge Account program calculates the fastest way to pay off your mortgage and consumer debt, and build a substantial savings nest egg based on your specific income, payments, living expenses and financial goals. You never have to guess which loans to pay off first, when to pay or how much extra to send.

The Money Merge Account program calculates how to pay off debt with some of the fastest payoff results imaginable—and build a substantial savings nest egg.

The Money Merge Account® gives you the flexibility to manage your finances in line with your cashflow. So when you have more income, you can deposit more and save more interest.When you have less income, you can deposit less.

You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it.

And it saves you interest all the while!

First off, if you're looking fot tons of fantastic advice on how to get out of debt fast, you really should check out Steve Rhode's blog, GetOutOfDebt.org.  It's chocked full of useful, practical advice.

Steve recently posted his response to a reader's question about "Who is better to get out of debt with, John Cummuta or Dave Ramsey?"

His response is very candid and a quite informative if you pay attention to it.  He says,

"I understand where they are both coming from. They are offering good and valuable advice in a packaged program that you can purchase. There is nothing wrong with paying for good advice. Both men have created systems that they believe in and stand behind, that’s good also.

But where I struggle is that what they have both morphed into a enterprises that are focused on sales and selling you products and services. This includes starting your own debt counseling business.

I don’t know where the line is drawn between being a debt advisor and being a marketer of your products but I think both John Cummuta and Dave Ramsey have crossed it. That does not make their advice less valuable but it is certainly more suspect to drifting towards the goal of selling products and services rather than individually helping people, like yourself, to get out of debt."

Again, I think Steve's response is incredibly informative in how he points out that fact that both John and Dave have parlayed their status and resputation into more than simply helping people get out of debt.  While I don't know that I completely agree with his assessement that they've 'crossed the line', I do think it is an important point to consider when looking into any 'pay off debt' system.

For example, with the Money Merge Account® program, it's a stand-alone product that has a one-time purchase price.  The Money Merge Account system is the flagship product of United First Financial®.  However, if you'd like to help other people pay off their debt fast as well, there's always the option of becoming an independent agent with United First Financial.

So does this put U1st into the same category as John's and Dave's programs?  I don't really know because I'm not familiar with all the details of their programs.  However, if getting involved with a company because it offers something that's helped you become debt-free can't really be that bad, can it?

Personally, I think the most successful agents with United First Financial are those that have experienced first hand the benefits of the Money Merge Account system because they're able to share their own personal story.  And anytime you can share personal experience, you become an advocate instead of a salesperson.

Anyway, what are your thoughts?  Do you think a program loses credibility if they profit from their intended mission, in this case John Cummuta and Dave Ramsey?  Or is it just a natural extension of a business that has obvsiouly had great success in helping people?